Company Complaint Information
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| Company Performance | |||
| In compliance with California Insurance Code § 12921.1, the California Department of Insurance conducted a Consumer Complaint Study of all admitted insurance carriers. The company performance table provides the complaints determined by the department to require that corrective action be taken against the insurer, or leading to insurer compromise, or other remedy for the complainant, those that are found to be without merit, those with other outcomes, and justified complaints. Justified complaints often require additional review, as violations of California insurance laws may exist. | |||
| Year | Closed Complaints (TOTAL of Categories 1-3) |
Category 1: Complaints found to require corrective action, leading to insurer compromise, or other remedy for the complainant. |
Category 2: Complaints found to be without Merit. |
Category 3: Complaints with Other Outcomes |
Category 4: Justified Complaints |
|---|---|---|---|---|---|
| 2024 | 242 | 58 | 96 | 88 | 23 |
| 2023 | 233 | 66 | 55 | 112 | 18 |
| 2022 | 171 | 50 | 53 | 68 | 22 |
| Violation Study |
| Year | Line of Coverage | Law | Section | Summarized Description of Law | # of Alleged Violations |
|---|---|---|---|---|---|
| 2024 | Automobile | CIC | 663a1 | at least 20 days before expiration, the insurer shall deliver a written or verbal offer of renewal, contingent upon payment | 1 |
| 2024 | Automobile | CCR | 2695.7(b) | Upon receiving proof of claim, insurer shall immediately but in no event more than 40 calendar days accept or deny claim. | 1 |
| 2024 | Automobile | CCR | 2695.7(g) | Cannot attempt settlement with unreasonably low offers. See subsections 1-7. | 1 |
| 2024 | Automobile | CIC | 11580.011 | Coverage for replacement of child passenger restraint system; insurer obligation | 1 |
| 2024 | Automobile | CCR | 2632.13(d) | Driver presumed not at-fault if insurance code section 488.5 applies | 1 |
| 2024 | Automobile | CIC | 1861.03c1 | Auto cancellation and nonrenewal | 1 |
| 2024 | Automobile | CCR | 2632.13(e)(2) | Respond in writing to a request for reconsideration of principally at-fault determination within 30 days by an employee other than who made the original determination | 1 |
| 2024 | Automobile | CCR | 2695.8(c) | Reopen file if notified within 35 calendar days that ACV too low to purchase comparable car. | 1 |
| 2024 | Automobile | CIC | 1861.05a | Excessive, inadequate, unfairly discriminatory rates | 1 |
| 2024 | Automobile | CIC | 880 | Failure of insurer to use own name | 1 |
| 2024 | Automobile | CCR | 2694a3 | In contravention of own rules, policies, procedures, guidelines | 2 |
| 2024 | Automobile | CCR | 2695.8(e)(4) | Insurer cannot require claimant to travel an unreasonable distance or wait an unreasonable period of time. | 1 |
| 2024 | Automobile | CCR | 2695.7(b)(1) | Must deny all claims in writing. Must cite statute, applicable law or policy provision on 1st party claims. | 1 |
| 2024 | Automobile | CCR | 2695.7(c)(1) | Must notify in writing every 30 calendar days if more time is required to investigate claim. | 1 |
| 2024 | Automobile | CCR | 2695.5(b) | Must provide complete response to claimant inquiries within 15 calendar days. | 1 |
| 2024 | Automobile | CCR | 2695.5(a) | Must respond to the California Department of Insurance within 21 calendar days. | 1 |
| 2024 | Automobile | CIC | 790.03h5 | Not attempting to effectuate prompt, fair, & equitable settlement when liability clear. | 1 |
| 2024 | Automobile | CCR | 2632.13(e)(1) | Provide written notice of investigation including any principally at-fault determination | 2 |
| 2024 | Fire | CIC | 10095(h) | Every insurer member of the plan shall provided to applicants who are denied coverage the toll free number for the CA FAIR Plan | 5 |
| 2024 | Homeowners | CIC | 10095(h) | Every insurer member of the plan shall provided to applicants who are denied coverage the toll free number for the CA FAIR Plan | 3 |
| 2024 | Liability | CCR | 2695.7(b)(3) | Must notify claimant that claim denial can be reviewed by the California Department of Insurance. | 1 |
If complaint data does not appear for this company, this link will provide you with an explanation.
To view the California Insurance Code (CIC), Click here
To view the California Code of Regulations (CCR), Click here
| Comparison Data |
The information below is for complaints closed during the study period for this insurance company. The table provides the Justified Complaint Ratio, Market Share, Complaint Share, and Index for this company, grouped by the line of coverage the company was authorized to sell in this study period.
| Year | Line of Coverage | JustifiedComplaint Ratio | Market Share | Complaint Share | Index |
|---|---|---|---|---|---|
| 2024 | Workers Compensation | .00 | .564 | .00 | .00 |
| 2024 | Commercial Auto | .00 | .636 | .00 | .00 |
| 2024 | Personal Auto | 5.04 | .939 | .91 | .97 |
If complaint data does not appear for this company, this link will provide you with an explanation.
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